Guest-Caused Damage:
The Safely Protection Program covers both intentional and accidental guest-caused damage to the covered rental property and its contents during the covered period.
Excessive Cleaning:
The policy covers excessive cleaning fees from cleaners when extraordinary measures need to be taken, such as stains on carpets and rugs, markings on walls (e.g., a child scribbling on a wall with crayons), biohazardous materials left in the home (vomit, fecal matter, blood, etc.) or cleaning up glass from a broken window, etc.
- The policy does not cover things like dirty dishes in the sink/dishwasher, towels on the floor, full garbage bins, or food left in the fridge as these do not constitute actual damage and are considered part of doing business.
- Damages covered by the policy include instances where guests break dishes, damage a trash can, or break a shelf in the refrigerator.
Safely covers damage from guests’ pets; however, liability related to pets/animals is not covered. For all pet-related claims, Safely needs the following information, in addition to photos and receipts:
- Confirm if the reservation is pet friendly. We cover reservations regardless of this answer, but it is helpful.
- Confirm if you collected a pet fee or deposit for the reservation.
- If you collected a pet fee or deposit, please explain what the fee or deposit covers (cleaning, damage, etc.). Safely will deduct the fee or deposit from the total claim payment amount if there is no distinction.
*Please note that excessive pet hair is not considered damage under the
policy.
Smoke Remediation:
Damage that cannot be seen is quite tricky. With any claim, Safely needs documentation. Generally, that is done with photos; however, in this case, you cannot obtain photos of smells. Therefore, we ask for a professional to go to the property to verify the smoke issue and mitigate it.
*We do not cover fees associated with the guest breaking the property rules.
Guest’s Stolen Property:
The policy covers the homeowner’s liability to the guest. It is important to determine if there is potential liability to the homeowner. For example, the homeowner (or property manager) is likely responsible if the theft is committed by someone hired for property services or if the property lacks proper security, such as functional locks and latches. If the property is adequately secured and the thief forcibly enters by breaking a lock, the homeowner is likely not liable, and the loss may not be covered.
The loss may be covered under the policy if the theft was committed by the guest or the guest was involved in the theft. Otherwise, the theft may be covered under the regular homeowner’s policy because the theft is not due to the guest.
Items Covered up to $200.00:
Money, banknote, bullion, gold other than goldware, silver other than
silverware, platinum other than platinum-ware, coins, medals, smart cards.
Items covered up to $2,500 or the Policy Contents Limit, whichever is lower:
- Securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets, and stamps
- Watercraft
- Trailers
- Theft or damage of jewelry, watches, furs precious and semiprecious stones, artwork
- Theft or damage of firearms
- Theft or damage of silverware, goldware, platinum-ware
Bed Bugs:
We rely on the professionals to determine if something can be sanitized or must be replaced. We find they are the experts and will use their report for our evaluation process.
- Bed Bug coverage is only for clients that have liability included in
their policy for a specific property. - Coverage is limited to the Contents Limit of the policy.
- Loss of income or other damages are covered under a bed bug claim.
- Only two bed bug claims are allowed per year, per property.
Below is the language for the bed bug endorsement - Safely Bed Bugs Endorsement - 2022-2023:
- Loss of use of a premises which shall be calculated on the basis of the rental value under a typical “rental agreement” for the period the premises could not be rented;
- Expenses incurred of a licensed professional exterminator to treat infested premises; and expenses of relocating a “guest” if there is an active “rental agreement” at the time of the “verified bed bug infestation”.
What is excluded/not covered?
- Bodily Injury – unless you have Liability included in their coverage
- Damages not reported within the 60-day reporting period
- Home for personal use
- The resulting damage of toilet back-ups
- Damage outside of the rental period
- Wear and tear or maintenance/neglect
- Registered motor vehicles
- Watercraft
- Mysterious Disappearance
- Fees and Fines: The policy does not cover fees assessed by HOAs or Authorities, late checkout fees, etc.
- Damage caused by acts of nature
- Loss of income
- Formal Events (example: weddings, parties, celebrations, and/or birthday parties)
- Properties with Aluminum Wiring: Aluminum wiring is not up to building codes and if the connections to switches and outlets have not been checked by an electrician, there is the danger of a fire putting the guest at risk related to homeowner negligence.
- Squatters (Post-Reservation): The policy covers damage during the insured rental period but does not have coverage for squatters who stay and refuse to vacate following the end of the rental period.